The development of the internet, in particular of online commerce and payments, results in new opportunities but also threats. One of the interesting options that is available through this global network is online loans. They save from financial trouble whenever there is a shortage of money and something unexpected happens. Many customers use them, because loan companies do not set such stringent conditions as banks.
However, many myths have arisen around online loans and non-bank companies that are not necessarily positive. Fortunately, most of them are only the aftermath of the beginnings of this market, when not all offers were fair. Today’s face of loan companies and services that they propose is a completely different level. Companies operating legally appear in the PFSA register and are subject to strict legal regulations. Although there is something that still raises unhealthy emotions and suspicions. This is a verification transfer.
What is the verification transfer for?
To get a loan online, you must first go through the registration process of the chosen loan company. It is nothing complicated or exceptional, because when you become a new customer of each bank you also need to provide your data. The difference is that loan companies don’t even have a chance to see their client and identify him.
For this reason, the registration procedure is divided into two stages. First, the person applying for an online loan must provide the required details. This is name, surname, personal identification number, address, telephone number, e-mail address and bank account. After submitting this information, please wait for the loan company’s employee to respond and will initially check their correctness. In the next stage, the lender asks you to make a verification transfer. This is a transaction for PLN 1-2 transferred to the lender’s account. The transfer should be made from your account, which shows exactly the data that we provided during the registration process. Otherwise, the verification will result in a negative result and the possibility of applying for an online loan will be blocked.
What are the scams associated with the verification transfer?
The “pole” method has spread so widely that it has even been publicized in the media. However, many people misinterpret the threat. This method consists in convincing the victim to forward a personal ID scan first, and then to perform a verification transfer to the indicated account. In this way, we unknowingly undergo the previously described registration and verification procedure aimed at taking an online loan or other obligation. However, this does not mean that the lender employee will deceive us. There, nothing like that will happen to us, conversations are recorded, and every customer has their virtual wallet on the website, to which only he knows the password. Problems with cheaters only appear if we lose our ID card or recklessly hand it over or scan it to unauthorized persons.
Further procedure for granting loans online
After providing the said data and having successfully completed the verification procedure by means of a verification transfer, you can now apply for an online loan. Some loan companies are currently checking potential customers in the BIK register, however, the verified area is rather long delays in repayment, while the amount of possessed loans is not necessarily. In addition, online loan companies do not require income certificates, making the procedure very fast. After passing the stages described above, all you need to do is wait about 15 minutes for the transfer. And now, quickly, without certificates and securely.